If you like the house, and are going to stay there a while, build the garage.
That way, you can build it like you like it, include all of the extras you want, etc.
Yes it can be pricy, but moving is pricy as well, and you are less likely to end up with a garage that suits you.
If I were building a garage today, I would definitely consider building one with a suite on top, if possible. If you are already building, the additional cost, while significant, would be significantly less than adding one later.
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